Lightminded » General

Best way of saving

Coert — Thu, 02 Feb 2012 06:51:08 +0000

Its success lies in its simplicity

People are always looking for the best returns or interest on their investments. They are also always scared that they are not investing in enough different instruments. At the end of the day they have a widely diversified portfolio, with a bit of money in each area – and so the portfolio shows the same kind of growth as the rest of the market: average. The only way you can achieve outstanding results is by specialising.
The master of specialisation, Warren Buffett, said the following:

“Wide diversification is only required when investors do not understand what they are doing.”

I have a very simple calculation that I share with people at my workshops, and each time I am astounded at the impact that it has on the delegates. I think it is the simplicity of the calculation that bowls people over. No-one can argue with it. Not even the most aggressive financial planner!

Let me share the calculation and assumptions with you:

Two years ago someone bought a townhouse on the East Rand with a R600,000 bond, and they are currently letting it out. The value of the bond on the house was R600,000 at the beginning of 2011, and during 2011 the bank valuation grew by 6.2%. (See the ABSA link at the bottom to confirm the growth if you want to.) The monthly shortfall after the bond payment and costs on the house is R2,500 per month. This payment of R2,500, or R30,000 per year, will decrease every year if we increase the rental by the rate of inflation each year. So the question now is whether the R30,000 shortfall in 2011 was a waste of money. I say no – it’s a method of forced saving, and it gives an unusually high return. Let’s look at the calculation:

Simple calculation on East Rand house

R600,000 – House value – This is the value on which the 6.2% East Rand growth is calculated.
R30,000 – Shortfall – This is the amount that is “invested” every year.
R37,200 – Growth on house value – This is the return on the investment.
124% – Gross Return – 37,200×100/30,000

So if you’d “saved” R30,000 last year by using it to cover the shortfall on a townhouse on the East Rand, you would have received 124% “interest” on it. Show me anything that can beat that!

Every time I publish figures like this, there’ll be some of the money powers’ highly trained advisors who take me to task over it. They want you to rather invest your money in their useless savings plans, endowment policies and pension schemes, of course. So they make as if they don’t understand my simple calculation, and they slate it as incomplete, faulty and ridiculous. They want ordinary people to think that it’s complicated to make money, and that only they have the wisdom and knowledge to help you with it. That’s nonsense. You can do it yourself, and you can do it better.

Before they point out to you and me that most properties had negative growth in 2011, I want .........................

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Our beloved incompetent government

Coert — Mon, 30 Jan 2012 07:45:31 +0000

TAX – A MUST READ

Before we get to the must read topic of the day, I wish to remind you about the 2 hour Treoc Way Introduction Seminars in Pretoria on 1 Feb and Johannesburg on 2 Feb in the evenings. Phone 0860020406 to book your seat at only R200 per person. If you book before 12h00 tomorrow, you get a free copy of my latest book “See the Light or see the Hole”.

Ai… Ai… Aikona!

I hope you don’t mind me mailing the following story to you, but this came across my desk this morning and I think this is a matter of national interest. I have no idea who the author is, but it is good enough to be shared. Here goes:

“I think, and I am sure that many of you are the same, that the tolls are a disgrace, both the extortionate toll fees themselves and also the widely published fact that we are expected to pay up to R18 BILLION over the next 10 years just to collect the toll fees. I wanted to share the clarity of thought in this mail and agree that I will not be installing anything on my car.

They are not going to have easy access to my bank account – they say they want a debit order – forget it. Send me a bill (by registered mail) every time.

Together we can make this whole thing fail – as it should. Let the toll gates stay there, not working, as monuments to people power. Let’s call this the start of the SA Awakening, look what the normal people are achieving in North Africa with the Arab Awakening.

I hope this goes around at least a billion times.

Taxes and Open Road Toll Fees

People should not install the transponders but still use the highways and force the government to issue accounts and summonses to all motorists until such time they drop the prices. The government will be forced to send out millions of accounts every month and they don’t have the manpower to do it. This is the best and easiest way to boycott the system.

What is the government going to do about motorists from other neighboring countries that don’t have these transponders? South Africans are too complacent and its time we fight back.

WE have paid for these roads. Now they are also proposing a 1% tax to fund the SABC.

Circulate this to all your friends!!!!!!!!

Has anyone thought just how much tax we are already paying?

a. 35% on your salary

b. 14% on everything you buy (bar fresh produce) and services rendered.

c. Carbon tax if you buy a new car (besides the 14% VAT you have to pay)

d. Tax on the fuel you put in your car to run it.

e. Toll on our roads –

For some it is going to come to a whopper of 10% of your salary (If you earn R10 000.00 a R1 000 would go toward tolling if you migrate between PTA and JHB every day.) – Bully to try and pacify me with the idea that I can claim it back from my income tax!!! I have to fork out the money first. Going on holiday to DBN? Remember to save up your R1000.00 for tolling.

To say the least – For every R10.00 you earn, the government is already taking approx R6.00 and .........................

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Reckless Borrowing

Coert — Thu, 26 Jan 2012 06:35:23 +0000

Don’t be stupid!

If you can get unlimited bonds and you take them all, do you think you won’t have to pay for them? I think most of you are now wondering whether I’m stupid for asking you something like this, because everyone knows that bonds cost money!

Well, not everyone is that smart. After I wrote on Facebook that people can get unlimited bonds with the ALA method, there were actually people who accused me of “reckless lending”. Can you believe that in this modern age there are still people who can’t manage their own financial affairs? Incredible! No wonder the Money Powers are just growing wealthier and wealthier with the licensed fraud they are peddling.

This is what I wrote on Facebook and what led to the accusation of me committing reckless lending:

“Whoa! It was a great crowd at the Hilton workshop yesterday! Welcome to all the new members! Now you know how to get unlimited ALA bonds. I wish you millions! Thanks for attending.”

What is the difference between Reckless Lending and Reckless Borrowing?

There is a big difference between these two. Reckless Lending is when you clearly cannot afford something, but a credit organisation like a bank still gives you a loan. The Consumer Protection Act was specially created to protect people who can’t calculate and manage their own financial affairs.

Reckless Borrowing is something else entirely, though, and there is no law that will protect you from yourself. This is when people lie about their income or expenses, for example, in order to get more bonds than they can afford or qualify for. It is stupid, very stupid!

What do we do with unlimited bonds like the ALA bonds?

We take as many as we can afford. With ALA you have minimal attorneys’ costs, and perhaps agent’s commission, but other than that you are actually only paying the monthly shortfall on the property. In November I bought a property with the ALA method, and the total monthly shortfall excluding any voluntary provisions was just R73 per month. I didn’t need to apply for the bond and nor did I need the bank’s permission. I would have been very stupid not to have taken over this person’s bond, don’t you think? But as long as I can afford it, I can get as many as I can afford, .........................

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Top 11 Property Categories for 2011

Coert — Sun, 22 Jan 2012 13:17:38 +0000

Lightstone, the well known property valuator, made the following interesting information available last week:

Top 11 Property Categories for 2011
With the New Year upon us, we decided to take a moment to reflect on the year that was and compile a list of the
Top 11 Property Categories for 2011. Our objective being to determine best performers in terms of annual growth in average value for 11 different property categories. And the winners are …

1 – Top Province
Our monthly House Price Indices consistently reported Eastern Cape as the leading province in 2011 and our recent survey confirms this. Eastern Cape property appreciated by 9% over the year period, increasing from an average of R550 000 to R600 000.

2 – Top Municipality
The historic Karoo municipality of Prince Albert steamed to first place for top municipality, with a 237% year on year annual growth in average property price. Values escalated from R175 000 in 2010 to R590 000 for the same period in 2011. Whilst it is not obviously evident which particular areas or drivers contributed to this substantial growth, this is typically seen where residential developments transfer to second buyers after building has taken place.

3 – Top Inland Town
The peaceful West Coast gem of Vredenburg claimed the title top inland town with a rise in average value from R324 000 in 2010 to R560 000 in 2011, effectively 73% year on year appreciation. It is believed that – once again – residential developments backed by growing commercial appeal – is the strongest catalyst of this growth.

4 – Top Coastal Town
Kenton-on-Sea, a seaside retreat on the Sunshine Coast in the Eastern Cape, saw the average property value increase by 50% from 2010’s R1 million to R1.5 million in 2011. Kenton-on-Sea boasts many pristine beaches and its popularity as an eco-tourist’s paradise (its permanent population of about 1000 balloons to nearly triple that over the December holiday period) is more than likely a strong factor in progressive property value growth in the area.

5 – Top Residential Suburb
The Johannesburg North suburb of Broadacres came out trumps as the top residential suburb with a jump in average value from R930 000 in 2010 to R1 790 000 in 2011, a 92 % increase. This appreciation can be mainly contributed to the extensive development in the area recently and more than likely driven by previously vacant stands being developed and sold.

6 – Top Luxury Investment Suburb
The prestigious De Zalze Golf Estate in Stellenbosch, Western Cape owns this crown with an average 7 year yield of 242%. Not surprising this tranquil estate proves .........................

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Simplest financing on earth!

Coert — Thu, 19 Jan 2012 09:07:31 +0000

ALA remains the best solution

I bought my first house in 1983 using the ALA (Alienation of Land Act 68 of 1981) method. Apart from some attorneys’ fees and my monthly bond repayment it didn’t cost me a single cent. No deposit or immediate transfer duty. Best of all, of course, was that I didn’t have to get the permission of any bank. Since 1983 I’ve bought many houses in the same way. Under www.treocinvestor.com‘s “Shared Investor” section, you can see an actual portfolio, Treoc 104, that consists of 21 of these ALA properties.

Conventional bonds vs ALA

Buying property with the bank’s money is very hard these days if you want to do it in the conventional way, because getting bonds is still very difficult. According to one senior bank director that I spoke to recently, it’s going to get even more difficult in the future.

This means that the ALA method is going to be the only method for getting access to financing, and the number of enquiries I’m receiving about it at the moment tells me that our members also realise this.

The popularity of the method lies, of course, in the fact that you get access to 100% financing without having to apply for it and without having to qualify for it. Even someone who is blacklisted can get access to 100% financing with this method. I’m receiving plenty of emails from people who want to know how it works, how the purchase contract should look, who the attorneys are that we use for this, and so on. Very few attorneys and estate agents know about .........................

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The Famous Treoc Double Structure

johanvdb — Mon, 16 Jan 2012 10:23:58 +0000

Powerful three-hour trust presentation

Learn how to protect your assets with Treoc’s famous trust structure. Our Millionaire Workshop of 2012 focuses mainly on Trusts and the ALA method, and today we’re going to talk about the trust portion.

Last week I told you how Pinky Sempe got all her assets back after the court examined her trust and ordered the “vultures” to give the assets back without even requiring a court case! How was this possible? The courts are full of trust cases where it’s found that the trusts are not even worth the paper they’re written on. Of course, these are trusts that have been set up by amateurs. By amateurs I mean bookkeepers, auditors and attorneys who don’t actually specialise in trusts, but do it as a “favour” for their clients.

William Wordsworth said: “In modern business it is not the crook who is to be feared most, it is the honest man who doesn’t know what he is doing.”

At Treoc we’ve had to distance ourselves from supposed trust specialists in the past, because we’ve realised they are a danger to our members’ trusts. The infamous Surf Trust is one such example. The lessons we learnt from that horrible experience taught us how NOT to do things. We learnt how to do things correctly, and that is one of the reasons why Pinky Sempe got her assets back immediately.

Why do people use amateurs?

People think that a trust is a trust, and that’s the answer. Finish en klaar! They think it doesn’t matter who sets it up and manages it. Others think that it is the number of trusts that is important. Others again think that it is the type of asset that’s the secret. The smart guys realise that all of this is important, but that the correct administration of the trust structure is most important of all. Despite the fact that the smart guys know what is important, some of them still make the mistake of thinking anyone can set up a trust, but Treocians like Pinky know that it is a specialist field – otherwise .........................

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Replacement or Market Value

Coert — Fri, 13 Jan 2012 12:56:29 +0000

Know the two types of value

When it comes to the value of movable assets, a lot of people are relatively apathetic. Nowadays attention is only given to big matters and big things. You even see it in the game reserve, where people will drive over a rare dung beetle to get a better view of a buffalo. Why? Because the dung beetle isn’t one of the Big Five!

Some people have the same attitude with possessions as well. They are only concerned with the high-value properties, paintings, gold bars, and so on. The crockery, furniture and appliances are not considered important. This fact is regularly confirmed to me when I bump into Treocians.

Last month Vanessa and I were eating in a restaurant in Oudtshoorn one night when someone came up to us and introduced himself as a Treocian. He had attended my seminar in 2007. As people usually do, he told me about the properties that he had bought since then, and as I usually do as well, I asked him whether he had his trust structures in place. He answered in the affirmative and told me how happy he was with Treasury Trust’s services. I asked him whether he had already transferred his household contents to his asset trust. He then said that Treasury also asks him this regularly, but as he had told them, he hadn’t yet had time for this. I then also asked him whether he had at least insured his household contents. “Nah,’ he said, “it’s just a bunch of old stuff!”

It really worries me when people have an attitude like this. Do you have any idea how inconvenient it is to be without this “bunch of old stuff”? Do you have any idea how much it will cost to replace this “bunch of old stuff” if it gets repossessed, burnt up or stolen? If you don’t take precautions, you will one day suffer massive losses. Believe me; I’ve seen people lose everything time and again. And emotionally it’s far worse to lose a “bunch of old stuff” than, for example, a house that you’re renting out, because the “bunch of old stuff” doesn’t just have an unexpectedly high monetary value; it also has enormous sentimental value. Losing that dining-room suite that you got as a wedding present twenty years ago is not nice. Having to now go and buy another one at a high price with your hard-earned savings is not going to make you feel any better either.

Make sure your double protection is in place

Firstly, make sure today still that this “bunch of old stuff” all belongs to your family trust. If you don’t have a trust yet, set one up immediately. Treasury Trust will help you.

If you do have a trust, but have not yet transferred your belongings, start making arrangements to do so today.
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Treoc is Expanding

Coert — Mon, 09 Jan 2012 08:45:46 +0000

New branch in Alberton

In December 2011 Treoc entered into a new partnership with the well-known law firm DVB Legal and Financial Services (Pty) Ltd in Alberton. The new partnership will be known as LegalFin, and they will provide legal services like contracts and conveyancing to our members. In particular, this Treoc partner specialises in ALA transactions and usufruct registrations, through which they help Treocians transfer their properties into their trusts in the most cost-effective way. Please note, though, that your trusts should still first be set up by Treasury Trust Services, Treoc’s only trust advisor, before LegalFin can assist you with advice and services.

Guest Speaker on ALA transactions at our Workshops!

Although LegalFin is based in Alberton, they provide services right across South Africa by means of an established network of lawyers. Mr Gert van Staden, Director of LegalFin, will also be our guest speaker at the next round of Millionaire Workshops in January. He has a very thorough knowledge of ALA, which he will share with us at the workshops. Don’t miss it.

Gert van Staden started his career as a public prosecutor twenty three years ago. His exceptional talent in the legal fraternity has seen him move after only six months to the local division of the Attorney General where he represented the State Advocate.

Thereafter he was promoted to the civil bench as a magistrate of the Johannesburg Magistrate Court. He served as a magistrate until .........................

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Taking it to the next level

Coert — Thu, 05 Jan 2012 09:26:58 +0000

From good to great

The Treoc Way is a unique way of creating, protecting and increasing wealth. To achieve this we require the services of unique service providers. From experience we know that it’s best for Treocians to obtain the services they require from fellow Treocians.

Free access

Anyone can get access to our service providers. All you have to do is the following:
Go to www.treocserviceproviders.com.
Read the conditions and click on “I accept”, and the service page will open.
Choose your service provider and send him a contact request.

Service providers required

Once you’ve clicked on “I accept”, you will see on the list of service providers that we have vacant positions in the areas and categories marked “Register your service”. We are urgently looking for Treocians who can provide these services to our members. If you can provide any of the services in those categories, we’d like to hear from you. Please click on the following link to read more about this unique business opportunity:
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The best little bank in the world

Coert — Fri, 30 Dec 2011 10:36:34 +0000

Can any bank beat this?

Return on R1,000 is about R8 per month (at other banks it will be about R3.80 per month)
Return on R10,000 is about R80 per month (at other banks it will be about R38.00 per month)
Return on R100,000 is about R800 per month (at other banks it will be about R380.00 per month)

“What is the name of the bank?” you ask. You decide because it is your bank! You establish it and you control it. Although it drives the “Money Powers” mad, it is completely legal. We will help you to get it started.

And on top of it, the return at your own bank is even tax free most of the time!

Now I ask you; why on earth would people rather invest their money with other people?

Now, I don’t think deciding on a new year resolution can be difficult at all. Let me teach you on the Millionaire Workshop how to do it.

Best Wishes for the New Year!
Coert

If you want to, you can connect with me on Twitter, Facebook and Linkedin

Treocian on Twitter …

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Victory!

Coert — Thu, 29 Dec 2011 06:42:49 +0000

The bad guys came second!

The incredible story of one of our members in Bloemfontein. Pinky Sempe’s Treoc Trust gave the “scavengers” a bloody nose! I’m publishing it exactly as Pinky sent it to Mrs. Obie de Jongh of Topaz Trust Accounting, Treoc’s partner in Bloemfontein. Read it and give it some thought. If you want to, you can contact Topaz’s Managing Director, Jozua van der Merwe on jozua@topazaccounting.com and get your business straightened out as well. They have offices in Somerset West, Centurion and Durban as well.

TO : Ms. Obie
FROM : Ms. Pinky Sempe
DATE : 24 November 2011
SUBJECT : THANKS TO THE TREOC WAY OF DOING BUSINESS.

BRIEF BACKGROUND

In March 2007, I was contacted by a member of the committee that was encouraging all the plot owners to sell their properties to the bank and developer. During the initial several contact sessions I refused but later agreed to sell so that the planned township establishment project for affordable housing can be developed in Estoire.

In April 2008, I resigned from work expecting the proceeds of the transaction to go full time into business. Little did I know that the law firm representing the developer had planned to rob me of all the proceeds.

(a) The Deeds of Sale we were coerced to sign, under the guise that our lawyer, who had been part of the procedure .........................

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The ancient “Pyramid Bank” scheme

Coert — Thu, 22 Dec 2011 16:14:01 +0000

Ever since the beginning of man’s existence he has sought ways to make his life easier. I’m sure that the first quests were for easy ways to get food and make clothing. Equally important, if not perhaps the most important, was his search for some kind of shelter, such as a cave or a house – somewhere that he could feel safe, and where he could protect his family against the elements of nature and dangers such as predator attacks or even attacks by other people.

Very soon there was probably a cave shortage, causing the value of caves to shoot up astronomically. People were prepared to pay for a good cave, but the people with caves couldn’t get rid of their caves until they had found alternative housing. So they started building structures like huts and houses for themselves and began renting out the caves. The “rental” was probably something like food and clothing. They saw that providing housing made their lives a whole lot more comfortable, and they started to wonder whether people wouldn’t perhaps be interested in the kind of huts they were building. A “letting agent” was appointed and he came back with the good news that there was great interest. The houses of those who could build well were most in demand, and never again did they have to find their own food or make their own clothes.

Some people, like old Coert from the Treoc region, couldn’t build good houses, but at the same time, they weren’t prepared to keep bringing food and clothing for the builders. So they bought the builders’ houses and made an agreement with them to provide food and clothing for them for 20 years, on condition that in the meantime they could do whatever they wanted with the house and that at the end of 20 years the house would become their property.

And so the property investors were born. Property investors weren’t necessarily good builders, but they were clever, very clever, because what they did was to rent the houses to a third party for more food and clothing than they had to pay to the builder. All that the investors actually did was to organise. Very soon the investors had become richer than the poor builders and tenants together. .........................

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The plot thickens

Coert — Wed, 21 Dec 2011 05:07:53 +0000

Is time running out for my freedom of speech?

Only THREE DAYS left

My enemies want to silence me now for once and for all. This is understandable, because I have hurt them a lot over the years, and I’m going to hurt them even more in the years to come. They have threatened me and sued me many times and are now even trying to use the police to stop me. I can only wonder what they’ll come up with next. Maybe an interdict that prohibits me from teaching people the Treoc Way?

Up until now I’ve been able to fend off every attack, and I will keep on fighting to make people financially free from the greedy, unscrupulous Money Powers and their cronies who feed off ordinary people. They probably won’t stop trying to keep me quiet either. And just imagine if they get it right?

Make sure you don’t miss the Treoc Way for good… just in case!

The Treoc Way is now on the “endangered species” list

This is why members should download every available chapter of the Treoc Wealth Management Course before they get a court order to shut down the Treoc website and prohibit me from distributing it or presenting it at workshops anymore.

From now on, see every Millionaire Workshop as possibly the last opportunity to find out for yourself whether the Treoc Way is really as evil as the newspapers and my enemies are saying.

The newspapers are at least also saying that the Treoc Way “has already created more than 1 000 millionaires and managed around R5 billion in assets.” Wow!

Today there are exactly THREE DAYS left to qualify for the Christmas present.

Time is running out!

Last Reminder

Christmas present!

In the spirit of Christmas we are offering a special for people who book and pay for .........................

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The holiday season is the time to work ON your business

Coert — Wed, 14 Dec 2011 07:12:37 +0000

(This is the three hundredth article or post published on Lightminded!)

People who regularly work ON their businesses are far more successful than people who work IN their businesses.

Another tough year is over. Of course, it wasn’t a tough year for everyone. The “vultures” and other “scavengers” had a good year, and there may even be another year of prosperity ahead of them, because the recession isn’t over yet. I’m talking about the liquidators and auctioneers now, of course. Most of us, the “prey”, didn’t do quite so well, though. Our money is worth less, the value of our property is not increasing, and our businesses have shrunk. Some of us have already fallen prey to the scavengers and others will still do so. Sometimes when poverty walks in at the front door, love walks out the back, and so many relationships have also gone to the dogs once the scavengers have finished.

It’s always so great to hear stories of “hyenas” who come off second-best, and today I have a story like this for you; but before you scroll down to read the story of Pinky Sempe, I just want to remind you of an age-old truth again. And that is the incredible power of the subconscious mind. During the year while we’re fighting full-time to keep the predators away and to grow our investments and businesses despite the recession, we don’t have time to fully make use of our mind power. That’s simply what happens when you have your nose in your business the whole time. The holiday season forces us to take our noses out of the business for a week or two, though, and this is a rare chance that we must not allow to pass us by.

During relaxed times, like during the holidays, one gains a new perspective on problems and opportunities, and along with this, solutions for problems that looked unresolvable just a week or two before. Everyone can attest to this! The solutions that we discover in times like these sometimes astound us because we can’t believe that we didn’t think of them sooner. They are so simple, after all!

Is this not proof enough that you lose perspective if you have your nose IN your business all day and every day? I think so. Don’t you think that we should perhaps proactively arrange more relaxing times? Times for reading, pondering, meditating, and even praying. Can we not work times like these into our busy programmes every day? If we could, our problems would disappear like mist in the morning sun!

Our offices open again on 5 January 2012, and I’m going to use the down-time to work ON my family relationships, friendships, investment plans and businesses.

Below is the incredible story of one of our members in Bloemfontein. Pinky Sempe’s Treoc Trust gave the “scavengers” a bloody nose! I’m publishing it exactly as Pinky sent it to Mrs. Obie de Jongh of Topaz Trust Accounting, Treoc’s partner in Bloemfontein. Read it and give it some thought. If you want to, you can contact Topaz’s Managing Director, Jozua van der Merwe on jozua@topazaccounting.com and get your business straightened out as well. They have offices in Somerset West, Centurion and Durban as well.

TO : Ms. Obie
FROM : Ms. Pinky Sempe
DATE : 24 November 2011
SUBJECT : THANKS TO THE TREOC WAY OF DOING BUSINESS.

1. BRIEF BACKGROUND

In March 2007, I was contacted by a member of the committee that was encouraging all the plot owners to sell their properties to the bank and developer. During the initial several contact sessions I refused but later agreed to sell so that the planned township establishment project for affordable housing can be developed in Estoire.

In April 2008, I resigned from work expecting the proceeds of the transaction to go full time into business. Little did I know that the law firm representing the developer had planned to rob me of all the proceeds.

(a) The Deeds of Sale we were coerced to sign, under the guise that our lawyer, who had been part of the procedure .........................

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The art of waiting

Coert — Thu, 08 Dec 2011 07:34:34 +0000

Most people don’t have the ability to wait

In this instant-gratification world in which we live, it’s seldom necessary to wait. If you want to speak to someone you can phone them immediately. If you want to buy food quickly you use the drive-thru. If you’re looking for information you Google it. And so I could go on and on.

I also like to have things done immediately, but I’ve learnt over the years that it’s not always possible. Some things are simply out of your control, and no matter what you do you can’t make them happen. For instance, you can’t make time go any faster. You can’t even make that happen with prayer. Rather pray that you make peace with the fact that you have to wait.

You may now be asking why I’m writing about this at all.

Making money in any market is a waiting game. Speculators will tell you that it’s a timing game. The fact is that if your timing is out, as is the case with most speculators, and you paid too much because you sold too soon or too late, there is just one thing that can make up for it, and that is time. For instance, if you paid 10% too much for an average house in 2006, according to ABSA’s statistics you would have paid R963,735. The market would have already compensated you for that “mistake”, because the same house would have been worth R1,020,142 in 2010.

If you made a huge mistake in 2000 and paid 50% too much for a house, in 2004 it would have already been worth more than you paid for it.

Property is very forgiving, but you need time and you can’t panic!

With the severe recession that we’re currently experiencing, our patience and ability to wait are being tested to the utmost. It feels as if there is no end in sight. The economists reckon we will only be out of the recession by the end of 2012!

So is it worthwhile to wait then? If you want to create wealth, you have no other choice. If we look at history, we see that the property recession in 1984, ‘85 and ‘86 was much worse than the current one, because it was three consecutive years of negative capital growth. After that the market recovered, and in 1987 property values were higher than ever. But people who got panicky and sold never recovered their losses. By selling in a downward market you make your loss permanent.

We are again caught in a difficult time, just like in the mid-eighties, and we can do nothing about it except wait. Capital growth is not something that anyone can speed up. You have to buy and wait!

The current market offers excellent opportunities for buying and waiting!

How is it possible in the current market to get bonds without applying or qualifying for them?

Easy, very easy! I used the unique ALA method and the ALA service providers.
Read more …

How is it possible to get such a big return on investment?

Apart from some attorneys’ fees, I have no costs on these properties, other than the shortfalls. The existing equity in the property is already far higher than the cost!

Can anyone do it?

Of course!

Is there any risk involved?

Although the .........................

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Full Mortgages without Applications

Coert — Thu, 01 Dec 2011 07:02:12 +0000

Learn on our Christmas Special the …

Best way of purchasing in the current market!

Last month I bought the three townhouses below with 100% bonds, without having to apply for a single bond or provide financial information or sureties to any banks.

Platinum members can see the three houses in the Treoc Investor software’s “Shared Investor” section, under the Treoc 101 portfolio, but for the sake of non-members who don’t have access to the software, I will gladly give a short description of the transactions.

Property 1 – Oxford Mews 27

Price – R 336 373
Bond – R 336 373
Value – R 400 000
Equity – R 63 627
Rental – R 3 200
Shortfall – R 1 211
Expected Return on Investment after one year is 587%

Property 2 – Honeyview 5

Price – R 327 259
Bond – R 327 259
Value – R 390 000
Equity – R 62 741
Rental – R 3 000
Shortfall – R 816
Expected Return on Investment after one year is 869%

Property 3 – Honeyview 6

Price – R 329 661
Bond – R 329 661
Value – R 390 000
Equity – R 60 339
Rental – R 2 800
Shortfall – R 990
Expected Return on Investment after one year is 699%

The shortfalls on these properties were all calculated as the worst-case scenario, after making provision for vacancy and maintenance. The values are derived by the recognised Lightstone comparative method, based on information from the Deeds Office.

I know the returns on investment (and they are not typos!) will once again make the non-Treoc Financial Advisors choke on their coffee, but that’s what they are, and they are based on conservative assumptions, as members will see on every property’s “Settings” page in the software.

How is it possible to get bonds without applying or qualifying for them?

Easy, very easy! I used the unique ALA method and the ALA service providers.

How is it possible to get such a big return on investment?

Apart from some attorneys’ fees, I have no costs on these properties, other than the shortfalls. The existing equity in the property is already far higher than the cost!

Can anyone do it?

Of course!

Is there any risk involved?

Although the ALA law protects us really well, there is some risk, as with any transaction. That’s why we recommend that ALA transactions should be done in a separate trust.

Where do we get information about the ALA method?

At the new Millionaire Workshops in 2012 I will provide comprehensive information about ALA. It will include the following:
- What is ALA?
- How are buyers and sellers protected?
- What are the risks?
- The ALA law
- The special ALA trust
- Founder, Trustees and .........................

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THE MOSES PRINCIPLE

Coert — Mon, 28 Nov 2011 11:13:29 +0000

Somebody sent me this interesting theory:

THE MOSES PRINCIPLE

The Moses Principle is an irreverent theory based on the question of why Moses spent 40 years traversing the Sinai desert before leading the Israelites to the “promised land”.

God was powerful enough to send numerous plagues to devastate the Egyptian economy until Pharaoh allowed the Israelites to leave Egypt. Later God caused the Red Sea to part so that the Israelites crossed on a dry sea bed. When the pursuing Egyptian army .........................

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Trustee and Warrant of Arrest

Coert — Thu, 24 Nov 2011 13:50:42 +0000

Trustee responsibilities are a serious matter

We learn from case studies

One of the cases we learnt a lot from was the infamous Insolvent Estate C790/2008 of the Surf Trust in liquidation, with the Best Trust Company Western Cape (Pty) Ltd as its independent trustee and Jose Delgado its nominee.

It is the duty of a trustee to act with care, diligence and skill. Prof. Walter Geach wrote in his book, Trusts, Law and Practice, the following; “Reckless behaviour by a trustee would clearly fall foul of this provision, but so would negligence, sloppiness, and general tardiness in carrying out any act on behalf of the trust. A trustee can, it seems fall foul of this duty either by an act or by an omission, and a trustee who merely leaves trust matters in the hands of others, with no further query or interest, would most certainly be in breach of this duty.”

One of the duties of an independent trustee is to account for his actions, or lack thereof, when he is requested to do so by the legal authorities. When a liquidation commission asks him to appear before them, he has no choice. He has to give full co-operation immediately, because it’s in the best interests of the trust for him to co-operate fully. If he does not co-operate, it can lead to unnecessary annoyance and even antagonism on the part of the commissioner, the creditors, and especially the creditors’ legal team.

In my opinion, the behaviour of Jose Delgado during the run-up to the formal liquidation hearing of the Surf Trust in 2008 certainly didn’t advance the trust’s case at all. This is what happened; you can judge for yourself whether Delgado had the best interests of the trust at heart in his actions:

The Commission’s first sitting was on 15 July 2008, and Delgado was requested to appear before the Commission. .........................

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New on Treoc

Coert — Wed, 23 Nov 2011 06:28:19 +0000

No Login required anymore for TSPN

Our new Treoc Service Provider Network (TSPN) is now open for everyone. Anyone can ask for a consultation with them. Platinum members just have to identify themselves as Platinum members and then the first few consultations will be 100% free of charge. Non-members do pay the normal fee per hour charged by each service providers.

Take a look at www.serviceproviders.com read the conditions on the home page and click on “I accept”. It will take you straight to our list of partners where you can make your pick.

These partners are all experts in their field and they .........................

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Treoc opens another branch!

Coert — Wed, 16 Nov 2011 13:26:00 +0000

New Treoc Partner

Frontier Insurance Consultants (Pty) Ltd and Treoc have decided to become partners.

Frontier is a well-established FSB- and FIA-accredited insurance brokerage that specialises in investments and risk management. In particular, they specialise in short-term insurance and this is the first time that Treoc has officially entered into a partnership with a specialist short-term insurance broker.

This new partnership therefore gives Treoc members access, for the first time ever, to short-term insurance products that are provided by Treoc members who know how the Treoc Way works.

Trusts and Insurance

Something that people often neglect to do is to insure the moveable assets in their trusts against risks such as accident, fire, storm and theft. These would be assets like household contents, jewellery, vehicles, and so on. Something that people may not know is that the “insured” on your short-term policy must be changed as soon as you transfer assets to a trust or when you purchase assets in a new trust. It’s a small change, but it can have a substantial impact on your wealth if it is not done properly.

This requirement around the “insured”, together with the fact that December is on our doorstep, should now encourage you to make contact with short-term insurance experts before you start to relax and enjoy Christmas. December is the risk season, with motor vehicle accidents, storm damage and theft being especially rampant. If the “insured” is not correctly defined on your policy, your claim could be repudiated by the insurance company, due to the fact that you or your .........................

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Scraps of Good News

Coert — Wed, 16 Nov 2011 02:37:06 +0000

We are still stuck in the worst recession in living memory, and it’s tough these days to track down good news – petrol is at its highest price ever, Malema is still doing his best to chase away investors, the banks are sitting with thousands of houses that they foolishly repossessed from poor people in distress and this has caused the current conditions in the property market. Of course it’s not the worst that has ever happened in the property market. The early eighties were much worse, but it’s still not pleasant to be stuck in these circumstances.

If we look back at the eighties when house prices dropped for three consecutive years, we can clearly see that the best approach at that time would have been to sell nothing, but to buy a few more houses at the lower price instead. The times we’re in now once again require the same discipline and offer the same opportunities.

But there is good news, at least, amongst all the statistics. According .........................

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Best Historical Facts

Coert — Tue, 15 Nov 2011 16:06:37 +0000

I wrote in last week’s post; “Be careful who you use for your trust administration. I still believe personally that the chief reason why the infamous Surf Trust was liquidated back then was because the Best Trust Company did not properly fulfil their duties as independent trustees. This kind of negligence was one of the reasons why I personally asked Treoc Limited’s Board in 2008 to cut all ties with the Best Trust Company.”

Apparently, from mails I receive from members, the Best guys are denying their role in the downfall of the Surf trust and they play the blame shifting game. It was expected and I am not surprised. I am preparing to publish the full verbatim transcription of the liquidation hearing and then everybody will see what advocate Olivier grilled Delgado about.

Anyway, some people might not be aware of Delgado’s position in Treoc and it reminded me about the following question a new member asked me the other day; .........................

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Message to Malema

Coert — Mon, 14 Nov 2011 09:42:50 +0000

Is this man truly a genius?

One of our readers sent me the following piece of wisdom. If you know Malema, please forward it to him!

An economics professor at an American college made a statement that he had never failed a single student before, but had recently failed an entire class. That class had insisted that Obama’s socialism worked and that no one would be poor and no one would be rich, a great equalizer.

The professor then said, “OK, we will have an experiment in this class on Obama’s plan”.. All grades will be averaged and everyone will receive the same grade so no one will fail and no one will receive an A…. (substituting grades for dollars – something closer to home and more readily understood by all).

After the first test, the grades were averaged and everyone got a B. The students who studied hard were upset .........................

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Property Mortgages for Trusts

Coert — Thu, 10 Nov 2011 04:35:39 +0000

LEGAL OPINION – BANKS’ LENDING CRITERIA TOWARDS TRUSTS AND DISCLOSURE OF INFORMATION ON BOND APPLICATIONS

Rumours are doing the rounds that FNB and Nedbank don’t want to provide bonds to trusts anymore. See some of the reader comments on my article “Not worth the paper it is written on” (27 October on www.lightminded.com). You will see that some members are struggling, while other members are still getting even 100% bonds for their trusts. I assume that those who are struggling have the wrong advisors, while those who are successful have the right advisors.

Following the comments by our readers, I asked Treoc’s trust advisors to investigate the rumours and give me a legal opinion, and, if the rumours turned out to be true, to suggest a possible solution. They carried out their investigation thoroughly and provided me with a full finding, legal opinion, options and solutions – solutions that they have already been successfully sharing with their clients for a long time…

I’d initially planned to publish their opinion, as usual, under the “Opinions” link on treoc.com, for all members to see, but after studying their findings and recommendations thoroughly, and following on from recent media reports and misunderstandings about the Surf Trust liquidation, I decided that it needed to be handled differently this time. I am convinced that if you follow our trust advisors’ advice properly there will be no reason for any bank to discriminate against your trust for any reason whatsoever. To be able to get to this point, you should operate directly under our trust advisors’ fiduciary supervision, of course. Our trust advisors are all legal graduates with extensive experience in the Trust Property Control Act; they are also members of FISA (Fiduciary Institute of South Africa) and have been elected by them as senior trust administrators as well as senior will drafters and estate and financial planning practitioners. You won’t easily find better qualified and better experienced people anywhere. They are:

Ryno Venter at ryno@treasurytrust.co.za in Cape Town
Leonie Nortje at leonie@treasurytrust.co.za in Gauteng

Beware of incompetent people!

I think the banks’ “caution” with regard to trusts is due to incompetent operators who are trying to imitate the Treoc Way. Be careful who you use for your trust administration. I still believe personally that the main reason why the infamous Surf Trust was liquidated back then was because the Best Trust Company did not properly fulfil their duties as independent trustees. This kind of negligence was one of the reasons why I personally asked Treoc Limited’s Board in 2008 to cut all ties with the Best Trust Company.

Since then we have never again had an incident like the Surf Trust with any of our independent trustees, and I’d like to keep it that way. So if you want to handle your trust business correctly, make contact with my advisors… today still!

Recently .........................

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Wealth Creation Activist

Coert — Thu, 10 Nov 2011 03:43:52 +0000

Did you know?

More than 40,000 people have attended Coert’s seminars since 2003. Among them have been top bankers, attorneys, auditors, managing directors, board members of top JSE-listed companies, SARS officials, FSB officials, NCR compliance officers, government officials, international rugby players, a Springbok captain, Idols winners, film stars, journalists, a TV newsreader, and many more. Most of them have subsequently become devoted followers of TheTreoc Way.

After Absa’s Western Cape Homeloans Manager and his management team .........................

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Bruce Cameron replies

Coert — Tue, 08 Nov 2011 06:32:52 +0000

This is how I received it from ou Grootman, spelling errors and all!

——– Original Message ——–
Subject: RE: The truth about TREOC
Date: Mon, 7 Nov 2011 10:47:47 +0200
From: Bruce Cameron

“Dear Mr Coetzee
You continue to play with the truth. Your unsubstantiated statement about people not retiring with sufficient capoital is unqualified and as such bis toyally misleading and to the detriment of individuals.
And your recent email in which you referred to me isa blatant lie and you know it.
Quite clearly the Treoc way includes misleading people.
Please tell me when .........................

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Bullshit Baffles Brains

Coert — Mon, 07 Nov 2011 11:17:04 +0000

Make it easy to understand!

Some financial advisers like to baffle our brains with complicated calculations. I will make it very simple. Forget the complicated tables, taxes, mortgage interest, fees, commissions, transfer duties etc.

Let’s compare straight returns or “apples” and say;

IT IS NOW THE 4TH OF NOVEMBER 2011

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Lightminded Townhouse

Coert — Mon, 07 Nov 2011 11:08:27 +0000

After the “Bullshit Baffles Brains” article I received a lot of mail from Financial Advisors who cannot understand the simple calculations I used as illustration. Therefore I have decided to load a real property on the Treoc Investor Software under the “Shared Investor” part. That part of the software is open to the public with free login detail if you wish to check it out. Just follow the instructions on www.treocinvestor.com to get your login detail. The name of the property is “Lightminded Townhouse”. On the “Settings” page you will see what assumptions I used. If you do not understand the software, click on the “videos” link on the top toolbar for free coaching.

With this, I now close this discussion. Attend my seminar if you wish to learn about the Treoc Way!

Below is a comparison based on real figures on the Treoc Investor software with 10% p.a. growth on both and the capital invested is what a typical Treoc Type townhouse of R500 000 will cost till break-even. Just keep in mind that tax was not taken in consideration. The savings plan is taxable and the townhouse equity not, if you do it according to the Treoc Way!

The spreadsheet is on Treoc Investor!

I will help you to navigate on www.treocinvestor.com

Log in

Open the drop down menu on “Shared Investor” on left hand toolbar by clicking on little arrows

Click .........................

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Testimonial by Pierre van Wyk, Founder of P3

Coert — Sat, 05 Nov 2011 09:39:27 +0000

“The flaws in the P3 methodology that caused so much heartache”

“My losses could have been prevented so easily if only I were on the Treoc Way”

My name is Pierre van Wyk. Together with Pieter Louw we founded the P3 Investment Group in 2003 in Kempton Park. By the way, did you know that “P3” stands for “Pierre, Pieter and Property”?

The time we started teaching our methodology it was more or less the same time Coert started with his presentations in Kempton Park. He invited me to his seminar those days, but I never accepted the invitation. I suppose I will regret it for the rest of my life.

My wealth creation methods worked well and I made a lot of money at a very young age. Why would I go to Coert Coetzee’s seminar? I thought my wealth was invincible like a lot of money always makes you think, but I lost about R30million, during the last recession. I couldn’t except that the Global Financial Crisis (GFC) was the sole reason of my problems and consulted with numerous experts and property advisors including international experts and over the years have met Robert Kiyosaki and Dolf de Roos and everyone confirmed that it was the recession that caused the losses and that there is not much we can do about it.

I didn’t want to accept this, as it meant if in future a similar event would take place, I would have to go through the same pains. I believed there had to be a better way. Then I contacted Coert and in spite of the old rivalry between us, he immediately agreed to meet with me. After an hour with Coert explaining to me the Treoc Way in a nutshell, I had that “AHA!!” moment “several times” and Coert confirmed exactly what I knew had to be possible. In short it was the flaws in the methodology I used that caused so much heartache and I’m excited about the answers I found. My losses could have been prevented so easily if only I were on the Treoc Way. If I accepted Coert’s invitation in 2003, I still would have had all my properties today.

Making money is easy and I will recover my losses, but protecting and holding money is something different. Over the years I shared and taught thousands of people how to create wealth using these same methods, but couldn’t show them what I only discovered and experienced now. I want to call on all those clients to get onto the Treoc Way immediately. Otherwise the same as what happened to me can .........................

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The Dogs are out … again!

Coert — Thu, 03 Nov 2011 03:28:23 +0000

And they are coming after me … again!

Last week Monday in Cape Town, during a top class Business Breakfast where I sat on a panel of experts with Rael Levitt, Samuel Seeff, Marlon Shevelew and Dr Erwin Rode, the well known Property Economist, I had the audacity to indirectly calling one of Dr. Rode’s statements stupid. That was after he again made his long standing statement that it is a better investment to rent rather than to buy a house.

It was a shocker to call such an esteemed man’s statement stupid, but I did immediately asked him not to take it personal. It is business after all! Personally I know nothing about him and he might as well be the sweetest old man walking this Earth.

I obviously also and as always called the Money Powers by name at the function and how they themselves admitted several times that 96% of all people using their pension products will not be able to look after themselves financially one day when they retired. I said that is like admitting to fraud in public without ever getting arrested because they are still taking in new money for these useless products. Somebody should stop them!

However, the money powers did not take it lightly. They will never forgive me for insulting them and their allies from a public forum. I am doing it already for many years. I even did it in their own newspapers as a paid journalist of Rapport for many years before they terminated my services years ago. I don’t think they had an idea those days how detrimental the Treoc Way would eventually be for the pension fund products of their bosses, their shareholders. Over the years the Fraud Peddlers or Money Powers used some of their journalists like their pension fund champion, Bruce Cameron, to bad mouth me wherever and whenever he can.

Bruce Cameron, the award winning “best investigative journalist in South Africa” of 2007, never ever did an interview with me, our directors or managers ever. When I offered him those days a free copy of my first book, he wrote back to me; “Don’t bother.we will not review it” (sic). He claims to get his information from the Treoc website, which is a closed and strictly copyright protected website and unless you are a Platinum Member you cannot enter it. Mr. Cameron is definitely NOT a member of our club and since he never talks to us, everything he writes and says about Treoc is therefore purely what his bosses feed him and mostly it is pure thumb suck. I did however, years ago in February 2007; give him a free lesson on the “plagiarism” and “copyright legislation” of the country. Instead of thanking me and asking me for more free lessons, he never forgave me for setting him straight! In my eyes he is a joke and a hoax, but there are many bullies like him out there, so I suppose he has a good following.

Daars’ hy ou Grootman, nou kan jy weer lekker gaan galbraak oor my en my “ego trips”!

No matter what the media write or say about me …or not, old “Mr Fearless” is going to go for their bosses, oops I mean their Money Power shareholders, with their fraudulent pension plans and endowment policies.

Oh yes, before I forget; thanks for the free publicity guys. Much obliged!

Anyway, last week, after I “misbehaved” again at the Big Shot Breakfast in Claremont, Cape Town, the Money Powers let their dogs out again like many times before and I am not going into those stories now. I rather want to share with you something I read in the Beeld last week. Although it was not Rode writing it, it is similar to his statements about renting vs. buying. Enjoy!

Should we buy, or rent instead?

Buy a house of R1.5 million

YEAR 1 YEAR 2 YEAR 3 YEAR 4

Commission (5%) R75 000 R0 R0 R0

Transfer duty R114 900 R0 R0 R0

Attorney’s costs R5 000 R0 R0 R0

Interest on bond* R106 968 R104 600 R102 036 R99 257

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“Not worth the paper it is written on”

Coert — Thu, 27 Oct 2011 09:12:49 +0000

I have said it many times that most Non-Treoc trusts in South Africa are not worth the paper it is written on.

Ryno Venter, MD of Treoc’s partner, Treasury Trust Services, brought the following article under my attention. It is an article about a judgement handed down on 20 July 2011 in the High Court. This case is a must read for all people with trusts and for people knowing people who have trusts.

You will see that if a trust is not properly managed and administered, it is in fact not a trust. Not even if it is properly founded and registered.

One of Treoc’s other partners, Topaz Trust Accounting, confirmed to me that as at end of September 2011, they administered 3388 trust and that since the founding of Topaz in 2006 only 6 trusts ever were liquidated. This is only 0.18% of the trusts under their management and I think this is the best proof that they know how to administer trusts.

Anyway, read this article below and see for yourself what it is about!

Article by: Creamer Media Reporter on www.polity.org.za

The recent judgment of the North Gauteng High Court in First National Bank (“FNB”) v Stefanus Britz (“Mr Britz”) and 6 others (handed down on 20 July 2011) (“FNB Case”) demonstrate at least two main instances where a trust may be exposed to be not what it is purported to be. These instances are: (i) where, in divorce proceedings, one of the divorcing parties alleges that assets that are purported to be owned by a trust are actually owned by the other party to the divorce proceedings and (ii) where the creditors of a person are looking for assets to attach to satisfy a judgment against such person. The FNB Case, concerns the later instance.

In the FNB Case, FNB provided the Izani Trust (of which Mr Britz and Mrs Britz (Mr Britz’s wife) were the only co-trustees) with an overdraft facility. Mr and Mrs Britz entered into a suretyship agreement with FNB binding themselves as sureties and co-principal debtors with the Izani Trust in respect of the said overdraft facility. The Izani Trust could not service its debt in respect of the overdraft facility until an amount of about R 5 63 363.46, plus interest (“Outstanding Amount”) became due and payable by the Izani Trust to FNB. In the case which was a precursor to the FNB Case, judgment was granted in favour of FNB for repayment of the Outstanding Amounts by the Izani Trust and Mr and Mrs Britz (as sureties). The warrant of execution was subsequently issued against Mr and Mrs Britz in their personal capacities and in their capacities as trustees of the Izani Trust.

When the Sheriff went to the house where Mr and Mrs Britz resided to execute the judgment, he could not find sufficient disposable assets to satisfy the warrant of execution.

The seemingly tangled web of trusts started to unravel. Mr Britz and Mrs Britz said that they had donated the house furniture and all of their movable assets to the 14 Ackermannstraat Trust (of which Mr and Mrs Britz were the only trustees). Therefore, the Sheriff could not attach the movable assets because they belonged to the 14 Ackermannstraat Trust and not Mr Britz and Mrs Britz in their personal capacities.

It appeared from the trust deed of the 14 Ackermannstraat Trust, among other things, that (i) the Brizelle Trust was the sole beneficiary of the 14 Ackermannstraat Trust, (ii) the Brizelle Trust had power to remove and replace any trustee of the 14 Ackermannstraat Trust and (iii) the 14 Ackermannstraat Trust will exist until it is terminated by the trustees (Mr and Mrs Britz).

It further transpired that (i) the house where Mr and Mrs Britz resided was registered in the name of the Brizelle Trust (the occupation of the trust property by Mr and Mrs Britz family was expressly allowed in terms of the trust deed of the Brizelle Trust), (ii) Mr and Mrs Britz were the only trustees of the Brizelle Trust, .........................

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Excellent Business Solution

Coert — Wed, 19 Oct 2011 14:09:15 +0000

Cross-pollination

If you are a Financial Advisor, Accountant or Estate Agent, this mail can change your life!

We have hundreds of business owners in our club, and as a matter of course in our business we have regular contact with them at club functions and the Treoc Wealth Management Course. I am sure most of you felt the effects of the recession in the turnover and profits of your businesses. Many businesses are smaller today than they were before the recession, but many other businesses don’t even exist anymore.

Long before I started with Treoc I was a senior risk manager for a large short-term insurer. I picked up a lot of experience there, and the Treoc Way as we know it today is largely modelled on that experience. I did risk management for hundreds of businesses and I know what works and what doesn’t, but my old business principles were once again tested by this latest, most severe recession in living memory, and following this I know even better what works and what doesn’t.

I once again saw that the best business principle is cross-pollination. Businesses that look after each other do better than businesses that try to continue on their own.

Another word for cross-pollination in the business context is CROSS-REFERRAL.

Cross-referral

This is a very old principle, practised in particular by the medical and legal professions. For example, your family doctor will refer you to a specialist. A specialist usually has a whole lot of GPs with whom he maintains good relationships, and so he is never without patients. Attorneys, on the other hand, refer their clients to advocates on the same principle. But my problem with this system is that it is only good for the specialists and the advocates, and not actually for the doctors and attorneys, because it is one-way referral that is taking place.

A much better result is achieved by the Treoc Partners, where, for example, the financial planner, trust advisor, short term insurance broker, trust accountant and estate agent refer their clients to each other. It’s a win-win situation. I think this principle of cross-referral is the main reason that the Treoc Partners still exist – and have even grown through the most severe recession ever. The recession hit the property industry particularly hard, with many conveyancing attorneys, electricians, plumbers, letting agents and thousands of estate agents having closed down, but at Treoc we are still in business … thanks to our partners supporting each other!

Partners Wanted

We are looking for more partners to provide services for the fast-growing Treoc Investors’ Club. Thorough training to partners will be provided regarding the Treoc Way and Trusts. At this stage we are looking particularly for:

Certified Financial Planners. Our CFP partners will provide our clients with the normal array of financial products and services as required by the Treoc Way as well .........................

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Banking Scam

Coert — Mon, 17 Oct 2011 18:05:23 +0000

Hit the play button and check this out!

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No protection for trust assets

Coert — Thu, 13 Oct 2011 11:42:54 +0000

The court gives permission for an individual’s personal creditors to take his trust’s assets

In Niewoudt and another NNO v Vrystaat Mielies (Edms)Bpk 2004(3)SA486(SCA) the court stressed the importance that all decisions of substance regarding a trust should be reached unanimously by the trustees as trustees are technically jointly in control of trust assets.

In Badenhorst v Badenhorst 2006(2)SA255(SCA) the court granted a redistribution order in terms of sec7(3) of the Divorce Act 70 of 1979 applicable to assets held within a trust created during a marriage as the court found that the trustee was acting in his capacity as trustee, as such, to his own interest as if the trust was part of his own estate. Thus the trust assets were also dealt with as if they were part of his estate.

In Land and Agricultural Bank of South Africa v Parker 2005(2)SA77(SCA) the court found any transaction entered into by a sub-minimum amount of trustees as described in the trust deed to be unlawful. Thus, where trustees were not authorized to act without the consent of all the trustees, the transaction would not be allowable that was entered into.

One of the reasons that we use trusts is so that personal creditors cannot seize trust assets. But it is shocking how few trusts in South Africa offer this protection. To be honest, most trusts DON’T offer this basic protection. Not even trusts that are managed by some so-called “professional independent trustees” offer this protection.

Take responsibility today and protect your trust’s assets. If you don’t do it, you are neglecting your duty as trustee as stipulated in the Trust Property Control Act 57 of 1988. It could even be seen as a criminal offence.

It is thus very important as trustees to make sure the administration of the trust is done correctly and is up to date – remember ignorance is not an excuse in the eyes of the law!

Your trust should have a general resolution where some of the trustees, like yourself or you and your spouse for example, are authorized to utilize the trust fund to a certain extent – this resolution is a “blanket” for day to day purchases in the trust.

The reason why most trusts don’t offer this protection is because of the way in which trust assets are purchased. If, for example, I go to a dealer and buy a lounge suite with the trust’s money, that lounge suite will only be considered a trust asset if I have followed the correct procedure. This is a once-off procedure; the resolution is determined at a meeting of all the trustees, and must be signed by all the trustees. I know this sounds like a lot of fuss, but it isn’t. It is a blanket resolution that only has to be done once – but then it must be done correctly. As soon as the resolution is in place, you can buy as many assets .........................

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How to pay staff

Coert — Thu, 06 Oct 2011 15:06:25 +0000

Performance-based Remuneration

The philosophy behind performance-based remuneration or paying for performance is to reduce any job function in the business to measurable units so that you can then pay a pre-determined fee for that unit of work to be done.

Think about it like this:
If someone is paid for the time they work versus being paid for the results of that work, they are incentivised to do as little as possible per hour as they know that they need to stretch the work load to fill up the hours in the day. If however they are paid for the completion of a task at a certain quality standard, then they are incentivised to do as good a job as possible in the shortest possible time.

What is Performance-based Remuneration?

Performance-based pay links remuneration to individual achievement (or non-achievement) of predetermined outcomes and/or the performance of the company. It takes several forms, including performance-based changes to base remuneration and the provision of bonuses and other one-off type rewards.

Remuneration is the monetary value of the compensation an employee receives in return for the performance of their contracted duties and responsibilities.

How is Performance-based Pay Measured?

Performance-based pay is aligned to outputs and achievement of predetermined outcomes. From a performance point of view the key measurement indicators include:

1. Achievement of goals such as Financial and Physical objectives
2. Effectiveness – Doing the right things
3. Efficiency – Doing things right
4. Improved productivity – Doing more with less
5. Innovation – Doing new things or performing the same tasks but differently

For practical examples, forms, systems and case studies on how to implement and operate a performance-based remuneration system, go to Chapter 4 of the Treoc Wealth Management Course …

Best Capital Growers 2010/2011

According to figures from Lightstone, the national property valuators, published during September 2011, our type of properties were the best performers of the past 12 months. .........................

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Media Release

Coert — Tue, 04 Oct 2011 03:12:31 +0000

What is happening in the Treoc Group?

In an exciting new development, well-known property investment specialist, Coert Coetzee, has taken over the reigns as Chief Executive of Treoc Limited, an unlisted public company that is undoubtedly one of the most inspiring success stories in the personal wealth creation market.

Despite the fact that the company was established shortly before the onset of the worst recession in living memory, it has succeeded, over the last six years, in creating assets worth billions for its clients, of which R4.5 billion in assets are under direct management of the group. The assets under management consist mainly of residential .........................

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Do you see the boats?

Coert — Thu, 29 Sep 2011 09:51:14 +0000

Don’t be so blind!

Someone sent me the following little story:

The town is under water due to flooding, and the priest is standing in the street and praying for the town.

When the water reaches his knees, a boat stops and invites him to climb in. “No, you go on; I’ll wait here, because the Lord will take care of me,” says the priest.

When the water reaches his hips, another boat stops next to him, and again he says no, because the Lord will take care of him.

When the water reaches his neck, a third boats stops next to him, and again he says no thank you, the Lord will take care of him.

And so he drowns…

When he gets to heaven he asks the Lord: “Why did you let me drown? I dedicated my whole life to working for you. I always carefully obeyed all your commandments, but still you let me drown.”

The Lord then said to him: “Good grief, you ungrateful man! What nonsense are you speaking? I sent you three boats!”

I think most people don’t see the “boats” or opportunities that God sends them, and then when they one day find themselves battling financially or when they lose everything, they can’t understand why God is punishing them like this.

How competitive are you?

After my recent Lightminded article “A Good Loser? – Nonsense, winning is everything!” I received a lot of comments. Mostly from people agreeing, but also a few nasty ones from people with bruised toes. Hopefully this article will give you all a better perspective of the .........................

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How competitive are you?

Coert — Thu, 29 Sep 2011 09:36:31 +0000

After my recent Lightminded article “A Good Loser? – Nonsense, winning is everything!” I received a lot of comments. Mostly from people agreeing, but also a few nasty ones from people with bruised toes. Hopefully this article will give you all a better perspective of the winning game. It is actually a Treoc Times article for Platinum members only, but I have decided to share it with all my readers this time because I want you all to be WINNERS!

According to the recently released World Economic Forum’s Global Competitiveness Report 2011-2012, South Africa has improved its global ranking by four places to attain 50th position this year. We remain the highest-ranked country in sub-Saharan Africa and the second-placed among the BRICS [Brazil, Russia, India, China, South Africa] economies. Of course, there is always room for improvement. But this is the beauty of competitiveness – it creates room for improvement – not only for our country, but for our businesses, for us as individuals, and for our competitors.

In light of this, let’s consider what exactly it means to be competitive. Being “competitive” is often regarded as a negative trait. But in reality being “competitive” is absolutely crucial to achieving success, continuous improvement and ongoing innovation and progress.

An example will illustrate. If two boxers step into the ring and neither is particularly competitive – in other words, neither is particularly interested in winning – it will be a disappointing fight indeed. They will simply prance around the ring, throwing half-hearted punches and, in the end, no-one wins, especially the spectators.

If only one of the boxers is interested in winning, it will also be a disappointing fight, since the winner will not win by merit, but simply by default – and every person who has ever experienced the ecstasy of winning fair and square against a worthy opponent will know that there is no glory and no pleasure in winning by default.

A competitive boxer is one who has learned the skills and techniques, honed these to perfection, trained hard, pushed the boundaries, and finally .........................

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A good loser?

Coert — Thu, 22 Sep 2011 06:39:45 +0000

Nonsense, winning is everything!

Two of my children went to a primary school where they were taught how to be good losers. Can you believe it? I was livid when I heard about it, but let me tell you the whole story.

They were both very good at sport, especially rugby, but unfortunately the school had a teacher who seemed unable to coach the team well, because they lost many of their matches. I and some of the other fathers often spoke about it on the side of the field. We couldn’t understand why the team struggled so much, because there was nothing wrong with the players’ abilities, yet they just couldn’t win!

But one day I found the answer in an innocent remark that the children made to me after one of these matches that they lost. As we once again lamented the loss and I tried to encourage them, they told me that the teacher had said to them: “Winning isn’t everything, and you don’t have to feel bad at all, because I don’t think you are bad losers. Just as long as you enjoy it!” This made a lasting impression on me, and it made me decide to teach my children that losing is not at all acceptable. If you are not a bad loser, it means you are a good loser. As far as I’m concerned, a bad loser or good loser is still a loser.

All the games that my children and I play – like chess, Monopoly, cards, pool, and so on – are real competitions. I never let them win just because they were young, and I always made a big issue of the fact that I was the best. I didn’t always win, though; and believe me, on those occasions that they beat me, they made an even bigger issue of it. Today it’s still their greatest achievement to beat me, for example, at the pool table. And nowadays it happens pretty often, because they are good!

My children are competitors, and they are winners. If the competitive environment in which they were raised had something to do with that, then I’m grateful, but one thing is certain: I never made them feel good if they lost. I did teach them to control their emotions and to not show how bad they feel when they lose. I taught them to never give up, and that even if you lose a battle sometimes, it doesn’t mean you’ve lost the war. If they’ve lost, you can be sure that they will come back and they will try again and again until they win, because we’re bad losers.

Show me a good loser and I’ll show you a loser, plain and simple!

Sorry it is Fully Booked

The Pretoria Treoc Way Introduction Seminar of 28 September is fully-booked. Therefore, we opened the next Pretoria event for 23 November. Be sure not to miss it again. Book now or if you cannot wait that long, we have a few seats left on the Johannesburg event of 28 October. The “Made & Paid” special applies on all the Treoc Way Introduction seminars of 2011.

Scroll down for more detail and other .........................

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Poverty follows the poverty-pleaders

Coert — Tue, 13 Sep 2011 14:35:32 +0000

What goes around comes around

Maybe I am going to step on a toe or two now, but I’ve been watching the people who plead poverty for years already, and I can assure you that not one of them has ever been able to break that poverty stranglehold.

Over the years I’ve met people who always want to get a discount on everything.
Some of them will tell stories of how much they’re struggling, and say that they can’t afford the membership fee, for instance, or the seminar fee. Others just want to get discount because it’s a part of their lifestyle. For them it’s a matter of principle to always negotiate a discount on everything. Do you know people like this? Think about it. I’m sure you know people like this. Perhaps you’re one of them yourself!

Nonetheless, if you know people like this, you will know that they’re not very successful financially. All poverty-pleaders and discount junkies are average, and they will stay average forever, because they lead discounted lives.

If your mind gets used to half-price, it also gets used to doing everything in half-measures, and then eventually you find you’re living a half-measure life. I don’t know of a single half-price person who is achieving their income potential at full price.

The saying goes: What goes around comes around. Very true!

Just do it!

This is a “must”! Watch this video of David Icke. Just do it!

“We are genius. And we’ve forgotten we’re genius. And that’s why a few people rule the world.”

Click here to watch the video…

The Treoc Bible

Chapter 4, Edition 2 of the Treoc Wealth Management Course will be ready on the 15th of this month.

Par 2.4 of Module 1, Chapter 4, Edition 2 covers the types of risks to be aware of.

The reason you want a trust is for the future willingness and need to protect your assets against all forms of risk.

Be sure not to miss it and to do it the wrong way!

Professional Opinion on Trusts and Sureties

One .........................

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Wealth for the Masses

Coert — Wed, 07 Sep 2011 18:09:52 +0000

Learn the secrets the rich teach their children

There are some financial secrets that you’ll never be taught at school or university, and it’s normally these very things that make the difference between being rich and poor. This is because we live in a society where money and wealth is regarded as bad and evil by the masses. To teach people to become rich is thus not “proper”.

The “old money” secrets of the exclusive elite never get shared with the masses, because the elite feed on the ignorance of these masses. They do, however, teach their children how to do it.

The working masses don’t know the secrets; rather, they believe that you should be taught to be hard-working, and scholarly. If in the process you attain financial success, that’s great, but don’t boast about it. This is how we’ve been programmed for centuries; it’s also why the few normal people that do see the light never share their money-making secrets with others.

At Treoc.com we feel differently, and we share our money-making secrets with each other. We believe in the principle that the more people you help to become successful, the more successful you will become yourself. That’s why we teach people what they’ve not been taught at school or university. That which every student must know. That which makes the difference between success and failure.

This is what my new book “Sien die lig of sien jou gat” is about.

Sorry, we cannot take orders! It is not for sale, it is for free … if you qualify for the “Made & Paid” special. Scroll down for more detail.

My New Book

“Sien die lig of sien .........................

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Sien die lig of sien jou gat

Coert — Mon, 05 Sep 2011 13:38:33 +0000

My New Book

“Sien die lig of sien jou gat” is the controversial, but very appropriate title of my new bilingual book. It is about the things they did not teach us at school.

“There are some financial secrets that you’ll never be taught at school or university, and it’s normally these very things that make the difference between being rich and poor.”

I am launching the book at the following events:

Treoc Way Introduction – Evening Seminars

28 Sept – Pretoria
19 Oct – Somerset West
28 Oct – Johannesburg
02 November – Bloemfontein
10 November – Durban

Free Book with the “Made & Paid” Special

If you are a member and if you booked and paid for one of the above Treoc Way Seminars two weeks before the event date, you and each of your guests will get a complimentary copy of my latest book at the seminar.

Platinum Members are allowed to bring along as many guests as they wish for FREE on one condition; their names should be on the booking list. Click on the dates above to book your seats NOW since seats are limited.

My Special Guest

Pierre van Wyk, founder of the P3 Investor Club saw the light at last! He will deliver a powerful testimony at the seminars. He wants all his old P3 clients to see the light too before it is too late and before they experience the big black hole, like he did!

Are you Lightminded or not?

It’s been a long time since I last wrote about the deeper things in life. If you don’t like spiritual matters or the esoteric, don’t read any further.

Where is God?

I recently read a book about someone who tries very hard to find God. She looks for Him in the churches. She looks for Him among the Christians. She looks for Him among the Hindus. She looks for Him among the Muslims. She looks for Him in the sky, among the sun, moon and stars.

Poor person! You will find other gods there. You might find those people’s gods there. But their gods are not your God. You won’t find your God there, because he .........................

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Another Opportunity

Coert — Fri, 02 Sep 2011 08:15:33 +0000

Don’t miss out again!

Last month at the Durban network meeting, Carol Buthelezi expressed her regret at not attending one of our precious metals roadshow events a few months ago. She knew that she had missed out on a huge opportunity, because as we all know, gold broke new records last month. The few hundred people who attended the roadshows are laughing all the way to the bank now, but unfortunately we cannot turn back the clock. If you didn’t act when I invited you, you’ve missed that bus.

I have another opportunity for you. Don’t miss out again.

Last year I embarked on a unique 50/50 partnership arrangement with selected individuals. Under this partnership arrangement I share 50% of our club’s income with people who are as excited as I am about the Treoc Way. Our Referral Programme , as it is called, is very popular and is growing very fast.

I was fortunate enough to team up with Pierre van Wyk, a network specialist with lots of international experience in building referral networks fast and effectively. We’ve tested Pierre’s methods already and the results were fantastic! Some of you met Pierre at last month’s network meetings, where he gave short presentations.

Pierre has studied our methods and systems intensively over the last few weeks, and he is now ready to train our future Team Leaders and to launch a few exciting new concepts that will help you to build a very profitable business as my referral .........................

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The Ultimate Cash Flow Generator

Coert — Thu, 25 Aug 2011 17:55:56 +0000

Treoc Referral Program

The popularity of our new Referral Program is exceeding all expectations, and I think the main reason is its simplicity – and, of course, the revolutionary Treoc Way, which has already changed thousands of lives. The fact is that, unlike other network organisations where toothpaste, vitamin pills or detergents have to be sold, the Treoc Way is exciting and easy to market as you will see on the Treoc Way Introduction Meetings where I discuss the four pillars of the Treoc Way.

The Treoc Way is about creating financial freedom using trusts, property and gearing. The Treoc Referral Program is about creating financial freedom through the marketing of the Treoc Way. I don’t know of anyone who understands it but doesn’t use it. Everything is made possible and easy by the Treoc Wealth Management Course, which is delivered to your computer with the click of a button.

After more than a year of testing the online course and almost a year of testing the referral marketing of the course, we are now ready to take it to the next level. The system will never be perfect and we will keep on improving it without changing its essence. We’ve received lots of suggestions from experienced network marketers, and as my marketing knowledge thus far has focussed mainly on single-level marketing, I welcome all input from experienced members. Our wonderful product, the Treoc Way, is .........................

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The worst advice imaginable

Coert — Thu, 18 Aug 2011 07:49:36 +0000

Who pays this man for nonsense like this?

Firstly, before I go to the topic of the day, just a bit of feedback on my mail of last week. The response was fantastic! So far I received 1119 mandates to the value of R517,530,606. Thank you very much for the confidence placed in me. I think we now have a big enough base for negotiations and I will start with it immediately. I will keep you posted. If you missed last week’s mail and would still like to participate in the Treoc Type Bond project, click here.

Back to the topic of the day.

I’ve been reading that the respected property economist, the bearded Doctor “DON’T-BUY-RATHER-RENT”, is once again seeing only doom and gloom in the residential market. This isn’t news, of course, because that’s how he’s always seen it. The bearded doctor maintains that real property growth is lower than inflation, so you’d be better off investing your money in other commodities. He doesn’t take into account that we can gear property. Let me give the doctor a simple example again, because one day someone is probably going to forward this to him, and I don’t want him to struggle to understand it.

Let’s take an investment of R250,000, on a Treoc-type townhouse of R500,000, with a bond for the balance. If the capital value grows by just 5% per annum, the return on investment in the first year will be 10%. But this type of property doesn’t grow at a mere 5% per annum. According to ABSA’s annual property statistics, properties like this, 80m2 – 140m2 have been growing as follows:

Average for the last 5 years is 6.3% per annum
Average for the last 10 years is 13.8% per annum
Average for the last 20 years is 11.5% per annum
Average for the last 40 years is 11.4% per annum

So if someone had invested his money for 40 years in Treoc-type properties, with only 50% bonds, his return would have been on average 23% per annum. If he used 90% bonds, the return would have been approximately 60% per annum.

By the way, every time I publish calculations like this, I get a lot of criticism from the financial advisor industry. They say my calculations are incorrect. Guys we work with many variables and therefore it is understandable that my calculations might differ slightly from yours, but the bigger picture is 100% correct.

I’m sure the learned doctor can do these calculations himself. So why doesn’t he, then? I wouldn’t be surprised if the money powers pay him to put forward this rubbish. After all, the money powers want people to believe this nonsense and rather invest their money in useless annuity products and savings plans.

As I said, his story isn’t going to change, and in the past he has already attacked me personally from the podium because I tell people that property is an outstanding investment. But what is different with his latest nonsense is that he apparently can’t understand why South Africans are so obsessed with property ownership, and he recommends that they rather follow the European practice where 60% of people rent and never buy property. To hold this up as the ideal is the most ridiculous remark, advice, or whatever else you want to call this sort of nonsense, that I’ve ever heard.

In my first book, Let There be Light on Wealth Creation, one of our Treoc members, Bettina Horvath, told her story. I’ve published the relevant excerpt below. If you read it, you will see why 40% of Europe’s people are getting richer while 60% of them are getting poorer. Is that what the doctor and the money powers want? Someone should stop them!

The upside, of course, is that the doctor is creating tenants for us. Thanks, Doc!

Property Investor By Accident
by Bettina Horvath

My first experience with property as an investment goes back to my twenties. When I decided that it was time for me to leave the nest, my father made a lump-sum available to me. This was a fund that he had been building ever since I was born, with regular monthly deposits. He was earning well, so he was able to put aside almost the equivalent of a month’s rent on a small property at the time. There was only one catch: for me to get my hands .........................

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No shortfalls anymore!

Coert — Thu, 11 Aug 2011 20:01:19 +0000

Treoc Type Mortgage

Before I tell you about our new exciting project, I just want to remind our readers in the Eastern Cape about the Network Evening on 16 August in Port Elizabeth at 18h00 and in the Western Cape on 19 August in Somerset West. Book here

Be sure not to miss the Treoc Times on Monday, 15 August 2011. It is a must read about what to do in the the present financial crisis regarding shares, gold and property!

Back to the topic of the day

As you know, financing property in South Africa is very frustrating. These days it’s easier for me to get financing in Australia than in South Africa, which is concerning. Property is only the best investment in the world when it’s geared with financing.

Did you know that our bonds actually cost the banks nothing? It’s standard practice for banks to sell our bonds’ documentation – or let’s call it the “promise to pay” – to big international financing houses. They call it securitisation in the financing world.

I don’t want to go into the details of securitisation now, but this made me wonder – why can’t we sell our own bonds to these big financing houses? The reason we can’t is because these big financing houses don’t play with pocket change. If they can’t get at least 1,000 bonds in a single transaction, then they’re not interested. The more bonds you offer them, though, the more interested they are, and most importantly, the more bargaining power you have.

In the last while I’ve had many discussions with people who are experts in mortgage products, and according to them it shouldn’t be too difficult to get our own Treoc Type Mortgages if we have the volumes.

I want to try to negotiate the following conditions:

1. Uniform valuation system, so that we are speaking the .........................

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Profits up by 300%!

Coert — Mon, 08 Aug 2011 08:06:21 +0000

Spectacular result

Would you believe that exposure to the TREOC Wealth Management Course resulted in a 300% profit turn around in a leading entrepreneurial company? Well you better believe it, as it is true as testified to by Founder, CEO and Chairman of the Board of Family Lifechange Centre, Dr Anthony van Tonder.

The TREOC Wealth Management Course covers the following information packed content

1. The TREOC Way Property Excellence

This module deals with specialization in the entry level property market through a proven and tested unique methodology of re-financing through the application of a superior software program which becomes the liberty and intellectual property of the course attendee.

2. Financial Excellence

This module deals with practical measurements to ensure the liquidity of your business through equations such as Breakeven, Cash flow, Return on Inventory Investments, Return on Gross Assets, Creditors and Debtors Cycles and so much more.

3. Operational Excellence

This module empowers the Business Unit Leader to practically use measurements, models and previously proven practices to excel to the next level of proficiency.

4. People Excellence

This module deals with the Human Governance required to employ the Human Capital deployed effectively and efficiently.

5. Sales and Marketing Excellence

This module encapsulates the largest variety of effective ideas ever as bolstered by study cases to empower any Company to adopt a fresh, new and rewarding marketing model.

6. Franchise Excellence

This module empowers the entrepreneur with the pitfalls of get rich quick schemes in comparison with timeless franchise principles based on solid systems.

These Business Principles are the envy of any person who had ever done a MBA. The cutting edge content capacitates the budding entrepreneur especially in the SME field (Small, Medium Enterprises) and provides current market related information and methodologies to successfully govern and accelerate any .........................

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The time-bombs can explode any day

Coert — Mon, 01 Aug 2011 15:19:16 +0000

Defuse them before it’s too late.

A very serious warning to all of those who are not serious about their trusts! You are sitting on a time bomb.

I read that the Internal Revenue Service (IRS) in the USA has started cracking down on trusts that they have judged to be illegal. This is definitely going to happen in South Africa too.

Apparently, 6 % of the three million active trusts in the U.S. today are considered “highly suspicious.” I think the number is much higher in South Africa, because we have independent trustees calling themselves the “best” while, for example, they never have annual meetings with their fellow trustees. If they are not even doing these basics right, how are they doing the serious things like the trust deed and resolutions? To name just two aspects of the many.

Over the last few years I’ve warned the South African public a number of times about the “Riches to Rags” time-bombs they’re sitting on. Most of the time I’ve done it subtly, but sometimes I’ve dispensed with all the supposed marketing ethics and mentioned the time-bomb builders and distributors by name.

Nobody calls a spade by its name anymore!

Every time that I’ve broken the “code” and mentioned them by name and warned people against their malpractices, I’ve received a flood of threats, objections and insults because I was breaking the “code of ethics”. Some of them have already tried to scare me with summonses for defamation, and others again have set their liquidators or journalist friends upon me. All their attempts thus far to do damage to or to silence me or Treoc have been unsuccessful, though, and the reason they’ve been unsuccessful is the infallibility of the Treoc Way.

Let me give you a bit of background about how some of these time-bombs get built.

The Pirates of Durbanville, Newlands, Randburg …

They are everywhere!

In the years since I started with the seminars .........................

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Technical Insanities in the Companies Act

Coert — Tue, 26 Jul 2011 13:57:02 +0000

Director’s tip for non-executive directors

Be careful of discussing company matters informally with fellow directors, managers or staff. Rather do it only at official directors’ meetings.

It is exceptionally important for directors to ensure that the following items are properly minuted during their meetings:

- all documentation and information that is laid on the table
- any advice that is received and considered
- on what grounds decisions are taken in the best interests of all stakeholders

If a director does not agree with a decision, he must ensure that his opinion is minuted, and that it is noted that he voted against the decision.

Technical insanities are tough realities

Don’t laugh them off.

The infamous section 424 of the Companies Act implies the following ridiculous, but dangerous contradictions:

Paradox 1

If you are the trustee of a trust that owns shares in a company, and if you stay abreast of the company’s activities, you can be held responsible by creditors if the company is one day liquidated due to a recession.

On the other hand, if you are the trustee of a trust that owns shares in a company and you do NOT stay abreast of the company’s activities, you can be held responsible by the beneficiaries of the trust if the company is one day liquidated .........................

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Bob’s your uncle!

Coert — Sun, 24 Jul 2011 14:50:08 +0000

Are you a reader or a doer?

Since 2003 27,000 have attended my seminars, and only a few joined the Platinum club or have the will to make money.

Platinum members are getting richer and the rest are getting poorer. Why is it like this?

I think it has something to do with the way we were raised. See if you recognise the following phrases:

“My child, you must be careful.”
“My child, you should rather not do that.”
“My child, rather get a good job.”
“Rather work for your money, my child.”
“Don’t make debt, my child.”
“You must work harder, my child.”
“You must save, my child.”

In essence, there’s nothing wrong with this well-intentioned advice given by our parents, but it does depend very much on the circumstances of the parents themselves. Most people’s parents were strugglers, just as their parents were too, and so therefore their children will also be strugglers. If you take advice from strugglers, you will eventually struggle yourself as well.

Rather ignore your struggling parents’ advice and listen to Uncle Bob

The famous Bob Proctor said:

“Leveraging yourself to earn money – This is where you multiply your time through the efforts of others by setting up Multiple Sources of Income (MSIs). This is, without question, the very best way to increase your income. Make a decision to have many sources of income; it’s the strategy that wealthy people have used dating clear back .........................

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Where to get services

Coert — Sun, 24 Jul 2011 14:34:14 +0000

Financial Advice, Trustee, Trust Accounting and Property Services

We know that many people would like to use our service providers and we are more than willing to make them available on the following conditions:

The service providers on the TSPN website can help you to get onto the Treoc Way. You might see providers providing the same services in the same areas and therefore, it will be better if all enquiries about service providers are firstly directed directly to your Treoc Team Leader and the team leader can then recommend whichever service provider he or she likes. If the Team Leader does not know a provider for a particular service you are welcome to use the one on this website which is the closest to you.

Who is my team leader?

On your Treoc Profile you will see the name and contact details of your leader. This is the person that will help you to find service providers to help you with trusts, accounting, financial planning, financing, and so on. Stay in close contact with your leader.

The Service Providers are Independent

Please note that Coert Coetzee, Lightminded.com, Treoc.com and Treoc Holdings (Pty) Limited or their employees are not shareholders, directors or employees in any of the service companies referred to you.

Our service providers do not provide or represent the Treoc Way and are not even allowed to suggest such. The Treoc Way, a well defined and recorded way of creating and protecting wealth, is provided exclusively in the form of the powerful online Treoc Wealth Management Course (TWM) .

What we do recommend is that you should always try to work only with service .........................

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Beating the Average

Coert — Thu, 21 Jul 2011 12:49:51 +0000

People think making money is very difficult, because…

People believe the nonsense of a certain bearded economist, that it’s better to rent a house than to buy.

People believe a certain rich estate agent, who only wants to make the luxury market look good.

People believe share pedlars like a certain Kabous, who doesn’t even know that property generates capital and income.

At the Treoc Way Introduction seminars in Sandton and Stellenbosch I shared one of my big “secrets” with the people for the first time ever. For the first time I shared with the members and their guests the spreadsheets showing my statistics and moving averages for the past 45 years. I showed them how to read the bank’s statistics like an investor instead of an economist or journalist. Did you know that very few, if any, economists and journalists are property investors? True story!

I’ve never shown these statistics and techniques at seminars before, because I thought they would be too technical, but the reaction was fantastic. For the first time people can now see, on the basis of the bank’s own figures, how I’m managing to double my investment money every year, in spite of the most severe recession of all time – without effort or special knowledge; just with logical investment methods.

Years ago in Bellville, I showed the same methods to the Western .........................

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Nothing to fear anymore

Coert — Tue, 19 Jul 2011 13:02:13 +0000

Just a lot of Hot Air!

Looks like the whole property rates debacle is just a lot of hot air. The newspapers blew it out of proportion again and did a lot of damage to the property market with the rubbish they wrote.

Apparently the minister clarified it last night on Radio 702. Maybe the ANC is not as stupid as I thought… in this case anyway.

Some of our members did proper homework and gave us good feedback. Here are extracts from two of the comments on Lightminded.

Herman wrote:

Deputy .........................

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Don’t be as stupid as our silly government!

Coert — Mon, 18 Jul 2011 15:12:16 +0000

Treocians never panic!

Since the proposal to amend Section 1 of the Property Rates Act appeared on Lightminded last week and in the Sunday papers yesterday, some property investors are in a state of panic. Today many people are trying to sell their properties because they think they cannot afford the proposed increase.

This is the most stupid thing you can do!

I am not going to sell my properties and thanks to all the ignorant people buggering up the prices with their panic and market flooding, I will buy a few more.

At this stage the intended amendment is just a proposal. Do you get it? It is a PROPOSAL! It is not law yet. If, and it is a big IF, it goes through, it will not be soon. However, if it goes through we will add it to the rent. It is NOT going to cost the property investor anything. The panic of the moment which results in people trying to dump their properties will cause much, much more damage than the proposed amendment.

Unfortunately, or should I rather say fortunately, most so-called property investors are not members of our club and are not educated in long term investment. Therefore we can prepare ourselves for a buyer’s market like never before.

The world’s greatest investor, Warren Buffett, never panics. He said:

“I will tell you how to become rich. Close the doors. Be fearful when others are greedy. Be greedy when others .........................

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Stop the fools!

Coert — Thu, 14 Jul 2011 04:56:45 +0000

URGENT ALERT TO ALL PROPERTY OWNERS AND TENANTS

Our government is always looking for more and more ways to milk the public. As always they cannot see the consequences their actions will have on their voters, the poor people of this country. And the poor people are too stupid to see what their elected government is doing to them. That is why they vote for them time and time again.

The fat rolling masses striked against their own government 30 days before the election. The police even killed some of the strikers in cold blood. Then the masses voted for the same government again. Thirty days later they striked against them again. This is how the stupid fat rolling masses attempt to sort out their problems.

Goeie genade! Kan mense met breinselle so onnosel wees?

The government’s latest milking trick is a new proposed “MUNICIPAL PROPERTY RATES AMENDMENT BILL”. The proposed increase in rates will probably not cost us, the investors, anything. It will just be handed down to the poor tenants again, but I think it is our duty as the only people with brains to try and stop this.

Paul Retief, one of our members, sent me the following correspondence and I suggest we follow his advice.

There is a proposal to amend Section 1 of the Property Rates Act to the effect that all residential property, used to accommodate persons other than the owner for gain, should be charged commercial rates on the property.

http://www.info.gov.za/view/DownloadFileAction?id=147257

This would severely affect the monthly costs of owning property and impact severely on investment buyers; those people who rely on income from their property/ies and ultimately on tenants.

Objections can be lodged before the 22nd July 2011. These can be faxed to (012) 334-4811 or emailed to mpra@cogta.gov.za

We have copied our objection below for you to read – if you are also concerned lodge your objection timeously too!

TO WHOM IT MAY CONCERN

Amendment of section 1 of Act 6 of 2004 -

THE PROPERTY RATES AMENDMENTS BILL

Paragraph “o” of the Property Rates Amendment Bill provides for the following definition of residential property:

‘Residential property’ means property of which the primary use or permitted use is for residential purposes, excluding such property used to accommodate persons other than the owner for gain;”

I .........................

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Special Announcement

Coert — Thu, 07 Jul 2011 17:38:40 +0000

New Presentation

After the very successful “Four Pillars” presentation at the network function in Pretoria last week, and after the reminder we sent this morning, we received several requests to open it up to everybody and not just Platinum members and their friends.

People heard about it and want to come, but they cannot wait to be invited by an existing member.

No problem!

Anyone can come. The fee is still .........................

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The TREOC Way Checklist for New Members

Coert — Thu, 30 Jun 2011 09:48:04 +0000

Not all of those who profess to be Treocians are in fact Treocians

These days every Tom, Dick and Harry is a supposed expert on the Treoc Way; and as long as things are going well they will gladly take the credit for it, but as soon as things go wrong, they blame yours truly. Even when someone loses his job and can therefore no longer afford his shortfalls, I get blamed. The fact that he would have lost his job anyway and that it has nothing to do with the Treoc Way, or the fact that thanks to the Treoc Way he has only lost debt and not assets doesn’t get taken into consideration at all.

Recently an advisor who supposedly knows the Treoc Way recommended that a member buy assets in his personal name because he is ostensibly too old for a trust. That’s nonsense. No-one is ever too old for a trust. The worst part for me is the fact that the member followed this kind of advice! This is NOT the Treoc Way, and I don’t care who you got this advice from. I don’t care what the advisor’s qualifications and accreditations are either, or that the advisor’s advice was meant well. It is NOT the Treoc Way… full stop!

“Owning property in your own name is completely out. At this point you have already been made aware that everything will come to an end at the time of .........................

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Recession? What recession?

Coert — Sat, 25 Jun 2011 16:22:48 +0000

Looks more like a boom to me!

According to ABSA’s latest Housing Review – Second Quarter 2011, houses between 80m² to 140m² in metropolitan areas, where you find the Treoc Type Properties, grew as follow on a year on year basis:

Port Elizabeth 25.1%

East London 31.2%

Bloemfontein 26.0%

West Rand
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Duties of the Trustees

Coert — Wed, 22 Jun 2011 10:48:31 +0000

Neglect your duty and lose your trust

As mentioned in the article “Changes to the Treoc Way” I was recently shocked to learn that there are trustees who have not held a meeting for years on end. That is very foolish and irresponsible!

The Trust Property Control Act doesn’t give specific dates or periods when trustees should meet, but it is specific about the fact that trustees have a big responsibility. Now the question is: how responsible is responsible enough? And that’s where common sense and common law come into play. What would the reasonable man regard as responsible? If a creditor wants to take your trust assets, he has to be able to prove to the court that your trust is not a trust in the true sense of the word. If he can prove that the trustees have not fulfilled the role of trustee, you’ve given him an opportunity to persuade the judge that the trust is a false entity, or “scam” as they call it. And then the trust assets are in danger.

Since the Trust Property Control Act 57 of 1988 consists of just 7 pages with 27 clauses you’re not going to learn much from it. That’s why the interpretation of the law is almost more important than the law itself. But we can’t each go and interpret the law as we see fit. Only the court can and may officially interpret the law. This means that if the creditor can just discredit you in the eyes of the judge, then the chances are good that the judge will take the creditor’s side. So if you don’t hold at least one trustee meeting per year and cannot provide the minutes of these meetings to the court, you are helping the creditor.

The trust expert, Prof Walter Geach, writes in his book “TRUSTS Law and Practice” the following:

“If proper accounts and records are not kept, there may well be a presumption that a trustee has acted improperly or carelessly or not in the best interest of the beneficiaries.” .........................

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Free Legal and Professional Opinions

Coert — Fri, 17 Jun 2011 09:06:06 +0000

Big New Benefit for Members

The world we’re living in is becoming more and more regulated each year. If you just think about the new laws that have been implemented in the past while, you’ll realise that I’m not exaggerating in any way when I say that it’s hard to stay out of trouble these days. It’s very easy nowadays for a trustee or a director to unwittingly land up in trouble.

Laws that come to mind are the National Credit Act, the Consumer Protection Act, and the new Companies Act. These three acts alone have permanently changed the environment in which we live and do business. The “environment has become dangerous”. And I’m not even talking about court rulings, which are becoming stranger and stranger as a result of ignorant people ending up on the Bench due to political policies. Every ruling is like law once it’s been issued, even if it differs in substance from the law – and there are some strange rulings. For example, how can one party be found guilty of a bribery transaction and get fifteen years in jail, while the other party to the same bribery or “tango” gets off scot-free? How can the person who goes to jail be declared terminally ill two years later and then, as a “dying patient”, play golf regularly after that? This is just one of the well-known cases, but there are many others that you haven’t even heard of.

There is also no such thing as differing liability for executive and non-executive trustees and directors anymore. In the eyes of the court, there is no such thing as ignorance either. “Ignorance is no excuse.” Even shareholders who are not directors or employees of a company have responsibilities and accountabilities. The notorious article 424 of the Companies Act sees to this thoroughly.

Our members are unwittingly landing in trouble, and it can then be very difficult to get out of .........................

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It is Time!

Coert — Wed, 15 Jun 2011 13:46:18 +0000

Are you ready for the BIG TIME?

The second edition of The Treoc Wealth Management Course is ready!

This life changing “mini MBA” is our first certifiable course ever. To add this certificate .........................

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Not the only way, but definitely the best way

Coert — Fri, 10 Jun 2011 13:08:03 +0000

Unconditional Money-back Guarantee

Plus a Free Copy of Rich Mind Rich Man

The Treoc Way of long-lasting wealth creation has successfully passed the toughest test of all time. Right through the worst recession in the history of man, it has continued to create and protect wealth for its thousands of loyal followers. We believe that since it was first introduced in 2003, it has created more millionaires than any other method or organisation.

The full Treoc Way is taught in the second edition of the Treoc Wealth Management Course, which will be released on 15 June. It consists of 12 chapters; for the next 12 months a new chapter will be published every month on the 15th. So after 12 months anyone will be able to share the wealth, prosperity and financial freedom that is already being experienced by thousands of Treocians right around the world.

Existing Platinum members can sign up for the course for free, and can repeat it as many times as they like.

But our goal at Treoc is to let the sun shine on everyone, which means putting the course easily and affordably within everyone’s reach. This includes people who are not currently members. Signing up for the TWM Course costs just a R600 joining fee, and R200 per month. These fees give you full Platinum membership of the Treoc Investors’ Club, and also give you access to many other benefits and products. From experience we know that as soon as they learn and master it, people are very impressed with the Treoc Way. But the challenge is introducing more people to it in a risk-free way.

Based on surveys, we have found that people are afraid they will pay the R600 joining fee plus the monthly fees, and then perhaps discover that they don’t like the course.
We understand this fear, because there are a lot of products and services that mislead people and just take their money without adding value. But we know from experience that the Treoc Way will change your life irrevocably, and we are prepared to endorse our unshakeable belief in our product. We do so gladly, with the following guarantee.

Unconditional Money-back Guarantee

If you join as a Platinum member, and within 30 days of joining you change your mind for any reason whatsoever, we will unconditionally pay back the fees already received from you. All you have to do is send an email to heidi@treoc.com within 30 days of joining, and let us know that you are calling up our Unconditional Money-back Guarantee. Your money will then immediately be paid back to you.

We feel that 30 days is more than enough time to study our material and determine whether you like the Treoc Way or not. This also gives you time to download the first chapter of the Treoc Wealth Management Course and study it, and you will then be fully in a position to evaluate its quality.

Free Gift

In order to help you with the decision to join, we have decided to reward everyone that joins NOW with a free downloadable e-book copy of my second book, “Rich Mind Rich Man”, which is yours to keep even if you decide you don’t like us.

The horse has been led to the water

We have now eliminated the financial risk 100%. All it will take from you is a little bit of effort – and if that’s too much for you, then you don’t belong with us anyway.
The saying goes: “You can lead a horse to water, but you can’t make him drink.”
Decide for yourself.

How to join

If you have now made the wise decision to indeed drink of this risk-free .........................

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